Typical car insurance quotes
Opel ASTRA insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Opel ASTRA 1.0, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
On 28 Oct 2026, the cheapest comprehensive car insurance for a Opel ASTRA driven by a driver with demerit points is S$564.71 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$1,456.49 at QBE.
- 14 insurers quote this driver online.
- That is 4% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$545.00).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$564.71 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$727.98 | S$2,500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$755.71 | S$2,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$757.60 | S$1,200.00 |
| ERGOSMART Comprehensive | S$779.13 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$829.27 | S$600.00 |
| ECICSComprehensive | S$859.26 | S$750.00 |
| MS First CapitalComprehensive | S$900.37 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$929.48 | S$600.00 |
| UOIUniCar Comprehensive Value | S$938.99 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$953.11 | S$600.00 |
| SinglifeMotor Lite | S$1,025.49 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,275.90 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 |
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income quote live there with your own answers, so they are not in this table.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$627.45 | +S$62.74 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$490.50 | −S$74.21 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$621.18 | +S$56.47 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is 4% more than what the same driver with none pays (S$545.00).
- The car matters too: insurers group models by value, repair costs and claims; the Opel ASTRA has a 999cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Opel ASTRA
- Priced as a Opel ASTRA 1.0 (999cc), registered 3 years ago.
- With a 999cc engine, the Opel ASTRA 1.0 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$390.80 a year for a 999cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Opel ASTRA is the 16th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 16th cheapest, 18% less than the middle price of S$692.61.
- Opel ASTRA review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Ford Fiesta Titanium | S$545.00 | India International |
| Chery QQ | S$564.71 | India International |
| Daihatsu Copen | S$630.09 | HL Assurance |
| Citroen C3 | S$635.86 | India International |
| Ford Focus Wagon Titanium | S$687.53 | HL Assurance |
| Audi A1 | S$695.47 | India International |
| Audi Q2 | S$695.47 | India International |
| Chery A1 | S$757.60 | HL Assurance |
How these prices are worked out
Each price is what the insurer charges today for these answers, GST included: from the rates insurers publish or quote on their own sites, checked against their online quotes every week. Shenton Brokers is an insurance broker in Singapore and compares every insurer that quotes this driver online. Budget Direct, DirectAsia, FWD, Income quote live with your own answers on our results page, so they are not in these figures. The figures for every driver on this car are in a CSV file, updated daily.
The Opel ASTRA for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Opel ASTRA insurance for a driver with demerit points?
From S$564.71 a year today at India International, up to S$1,456.49 at QBE, across the 14 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Opel ASTRA 1.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 4% more than the S$545.00 a 40-year-old with a 50% NCD and no claims pays for the same Opel ASTRA.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
Is this the price I will pay?
It is the price each insurer quotes online for these answers today, GST included. Your own car, its age, your record and the options you choose change it; the quote form asks for yours.